Expat Loans

Finance your Australian property purchase with our help

Navigating the Australian property market as an expat can be complex, especially when it comes to securing the right financing options. At Evolution Financial Services & Advisory, we specialise in providing expert expat mortgage advice tailored to meet your unique needs. With our Founder, Luke Harris, being an expat for a large amount of his career, Evolution Financial Services & Advisory possess first hand knowledge of the benefits and challenges of being and expat and can guide you through each step of your journey. 

Whether you’re an expat living in Australia or an overseas-based borrower, our team ensures that you can easily access loan options from banks and lenders across Australia. We'll help you make informed decisions, whether your goal is buying your first home, purchasing your dream home, building a house, or investing in property.

Securing an expat loan involves understanding various criteria and regulations. For Australian citizens and permanent residents living abroad, our Expat Finance & Mortgage Broker services simplify the process of obtaining an expat mortgage. One of the key factors to consider is your borrowing capacity, which is influenced by your financial situation, credit history, and loan amount. We streamline the application process to make it as straightforward as possible, guiding you through each step from initial loan application to final approval.

When applying for an Australian expat home loan, you’ll need to prepare necessary documentation such as bank statements and proof of income. The application process can seem daunting, but our experienced expat mortgage advisors are here to assist. We'll work closely with you to ensure all your documents are in order and help you navigate the rules, regulations, and restrictions involved. By providing customised expat mortgage solutions, we aim to optimise your borrowing potential, securing the best possible terms and conditions for your mortgage.

Interest rates play a significant role in your mortgage decisions. You can choose between a fixed interest rate loan, where the interest rate remains constant for a set period, and a variable interest rate loan, which fluctuates with market conditions. Understanding and calculating loan repayments is crucial, and we'll provide you with the tools and knowledge to make an informed decision. You might also be eligible for interest rate discounts, depending on your credit history and the loan to value ratio (LVR).

In addition to securing a mortgage, refinancing and renegotiating better rates with your current lender can provide significant financial benefits. Our team is proficient in helping you access home equity, potentially unlocking funds for other investments or needs. If you're looking to get pre-approved for a loan, our streamlined application process makes it easier to know your borrowing capacity and plan accordingly.

Stamp duty and lenders mortgage insurance (LMI) are other important considerations. These additional costs can impact your total loan amount and repayment schedule. Our experts will provide a detailed explanation of these expenses, ensuring you are well-prepared to manage them. For those interested in the buy to let market, we offer specialised investment loan advice, making it simpler to explore local property market opportunities.

When it come to the important issue of transferring your money back to Australia, we have trusted Foreign Exchange partners that we can refer you through to in order to ensure that your FX needs are taken care of. 

In summary, Evolution Financial Services & Advisory is dedicated to providing comprehensive expat mortgage advice. From calculating loan repayments to navigating the rules and regulations, our goal is to make your expat loan application process smooth and efficient. Whether you are planning to buy your first home, invest in property, or refinance an existing loan, our expat mortgage advisors are here to help. Get in touch with us today to explore your loan options and take the first step towards achieving your property goals.